BLOGInsight into the Payments Industry

04/26/2019

Shift4 Payments Introduces RESTful API

Shift4 Payments Introduces RESTful API

Shift4 Payments is pleased to announce the general availability of our new RESTful API. With the introduction of this new integration option, our new and existing independent software provider (ISV) partners can now integrate their point of sale or property management systems much faster to Shift4’s payment gateway and network, including our suite of secure …

01/30/2019

DOLLARS ON THE NET Is Now Lighthouse Transaction Manager

DOLLARS ON THE NET Is Now Lighthouse Transaction Manager

New Look and Feel, Same Reliable FeaturesIn terms of functionality there aren’t any changes to the user interface. You’ll get to enjoy the benefits of the updated design without losing any of the features you know and love. These include: Features and Functionality Centrally manage transactions from a single screen for all revenue centers and …

05/02/2017

True P2PE Is Now PCI Validated!

True P2PE Is Now PCI Validated!

Big news! Our advanced point-to-point encryption solution, True P2PE, is now on the list of PCI-validated P2PE technologies. By encrypting cardholder data (CHD) at an approved payment terminal or device you can prevent CHD from entering your system. Now, you can continue taking advantage of same speed, security, and reliability of True P2PE with the …

05/02/2017

Introducing the New 4Word

Introducing the New 4Word

More security, added versatility – and a new look, too. Shift4’s 4Word gives merchants a way to share and control cardholder data (CHD) with a trusted third party so that payments can be processed according to the merchant’s business requirements or need, whether that third party is a Shift4 customer or not. We’ve recently completed …

05/02/2017

New Options in the UTG and DOLLARS ON THE NET

New Options in the UTG and DOLLARS ON THE NET

We’ve added some useful new options to the UTG and DOLLARS ON THE NET. Here’s what’s new: With this UTG update, merchants processing directly to American Express (AMEX) will be able to more accurately and securely verify AMEX cardholders using online PIN verification (if supported by the card) instead of relying solely on a signature. …

04/04/2017

Avoid Suspended Batches Using New DOLLARS ON THE NET Viewing Option

Avoid Suspended Batches Using New DOLLARS ON THE NET Viewing Option

Did you know that fake authorization codes are the number one cause of suspended batches? No one wants to take the time to call a card issuer’s voice authorization center to get a referral code when facing a line of customers. But, when a busy clerk enters a fake code to force an authorization, it …

04/04/2017

Enhanced Support for Verifone PIN Pads in the Latest UTG Update

Enhanced Support for Verifone PIN Pads in the Latest UTG Update

We’ve added a few enhancements to our UTG 2290 release. If you use EMV with Verifone PIN pads, then you’ll be excited to learn we’re giving you more control over handling debit and credit cards in EMV processing (if the customer’s card allows for it). With support from your POS or PMS, you can set …

03/07/2017

Updated Features in Our Latest DOLLARS ON THE NET Release

Updated Features in Our Latest DOLLARS ON THE NET Release

We routinely update our solutions to optimize your payment processing efficiency, security, and cost savings. As such, we’ve recently added a few new features to our DOLLARS ON THE NET payment gateway. Ability to Require Multifactor Authentication – Account administrators can now require multifactor authentication (MFA) for select users when they log in to DOLLARS …

02/07/2017

Executive Insight: Don’t Be Misled by False Claims About EMV

Executive Insight: Don’t Be Misled by False Claims About EMV

By Steve Sommers – Senior Vice President of Applications Development, Shift4 Corporation The U.S. payments industry has been talking about EMV for years, but it’s still the subject of a lot of inaccuracy and misinformation. I’d like to make a few comments about something that I read recently. The Quote That Started It All I …

02/07/2017

52 Days Until We End Support for SSL and Early TLS

52 Days Until We End Support for SSL and Early TLS

Many servers in the U.S. are still vulnerable to the Heartbleed Bug and other malicious software. It’s time to say goodbye. On March 31, Shift4 is ending support for SSL and TLS 1.1 and older. If you’re still using these outdated encryption methods, your payment processing – and PCI compliance – is at risk. Read …

02/07/2017

Faster PIN Pad Reset and More

Faster PIN Pad Reset and More

As dedicated merchant advocates, we routinely update our solutions to optimize your payment processing efficiency and security. As such, we’ve recently made a few enhancements to our Universal Transaction Gateway (UTG). Here’s the lowdown on what’s included in the most recent release: Faster PIN Pad Reset Capability – Our enhanced PIN pad reset capability could …

02/07/2017

VT4 Shined at the PGA Merchandise Show

VT4 Shined at the PGA Merchandise Show

We showcased our mobile point-of-sale (mPOS) solution, VT4, at the recent PGA Merchandise Show in Orlando, FL. We loved the positive feedback and reactions. Our award-winning mPOS has helped the PGA TOUR for years and can help make any business more profitable by accepting payments anywhere, anytime, and on any device.

01/03/2017

VT4 Continues to Prove its Versatility With New Functionality

VT4 Continues to Prove its Versatility With New Functionality

This past year, we were happy to see the VT4 family grow as golf courses, retail stores, and hotels across the country decided to make us their mobile point-of-sale (mPOS) solution of choice. They chose us because our award-winning mPOS solution lets business owners in any industry securely accept mobile payments throughout their business without …

01/03/2017

Set Limits for Manual Card Entry With the UTG 2287 Update

Set Limits for Manual Card Entry With the UTG 2287 Update

This month’s UTG update enables you to set a minimum and maximum number of digits for manual card entry (MCE), giving you more control over the types of cards your staff members can manually enter. For example, you can allow MCE for only gift card, employee card, and/or loyalty card numbers. You can also set …

12/06/2016

Shift4’s P2PE Solution Will Soon Be PCI Validated

Shift4’s P2PE Solution Will Soon Be PCI Validated

Our True P2PE is already faster, more secure, and more reliable than any other point-to-point encryption solution in the industry. And, it will soon be one more thing: PCI validated!Yes, you read that right. If you’re already using True P2PE with PTS-approved, SRED compliant devices, you’ll soon be benefiting from a listed, PCI-validated P2PE solution …

12/06/2016

It’s Time to Start Layering Your Payment Security Solutions

It’s Time to Start Layering Your Payment Security Solutions

With the holiday shopping season in full swing, millions of businesses will see a spike in payment activity. And unfortunately, many of them will see a spike in data theft, too. This is a vital time of year for merchants to take a look at their payment security strategy and ask themselves if they are …

11/01/2016

Shift4 Supports Ingenico’s New Mobile Terminal

Shift4 Supports Ingenico’s New Mobile Terminal

Add new revenue centers and make paying for goods or services more convenient for your customers with Ingenico’s sleek and secure new iSMP4 Companion, which (pardon the pun) happens to be a great companion to Shift4’s VT4 mobile point-of-sale (mPOS) solution. (Bonus: our Universal Transaction Gateway already supports it.) This smart mobile point-of-sale device is …

11/01/2016

Our Award-Winning VT4 Mobile POS Just Got Better

Our Award-Winning VT4 Mobile POS Just Got Better

VT4 is the most versatile mobile point-of-sale solution available. It works on any smartphone, tablet, or laptop with a variety of accessory packages, including the new iSMP4 Companion. One of the biggest draws to VT4 has been the ability for administrators to control VT4 settings in real time via the backend application, 4tress. (Think of …

10/04/2016

UTG Update Supports New EMV Device and More

UTG Update Supports New EMV Device and More

As a leader in the payments space and a dedicated merchant advocate, Shift4 routinely updates our Universal Transaction Gateway (UTG) in response to industry trends and merchant feedback. While some of these changes are minor tweaks and behind-the-scenes improvements, others may have a larger impact on your business. We’ve made some recent enhancements to our …

09/06/2016

Shift4 Speeds Up EMV With Quick Chip

Shift4 Speeds Up EMV With Quick Chip

Are you tired of EMV transactions taking so long? Shift4 now fully supports EMV quick chip with Visa, Mastercard, American Express, and Discover. This greatly speeds up the EMV checkout process, as it allows consumers to remove their cards after only a few seconds. You can view the full announcement here.

09/06/2016

Increase Account Security With veri4

Increase Account Security With veri4

Introducing the newest member of the Shift4 product family: veri4. This mobile app helps secure your DOLLARS ON THE NET and MyPortal accounts by generating an additional credential – a unique, six-digit passcode that you can enter along with your account number, username, and password. For added security, this passcode changes every 30 seconds. The …

09/06/2016

UTG Update Brings New EMV Options and More

UTG Update Brings New EMV Options and More

As a leader in the payments space and a dedicated merchant advocate, Shift4 routinely updates our Universal Transaction Gateway (UTG) in response to industry trends and merchant feedback. While some of these changes are minor tweaks and behind-the-scenes improvements, others may have a larger impact on your business. We’ve made some recent enhancements to the …

08/02/2016

Don’t Miss Out On Our Extensive Software Updates

Don’t Miss Out On Our Extensive Software Updates

As dedicated merchant advocates, we listen to your feedback and regularly update our payment solutions to optimize your payment processing efficiency and security. In the last month, we’ve released software updates for our Universal Transaction Gateway® (UTG®), DOLLARS ON THE NET® payment gateway, and VT4® mobile point-of-sale solution. Here is a breakdown of the major …

08/02/2016

Ready for Card Numbers Starting With 2?

Ready for Card Numbers Starting With 2?

Starting next year, Mastercard will be rolling out new payment cards that begin with the number “2” (typically, they start with “5”). This will create a new Bank Identification Number (BIN) range of 222100 – 272099 that merchants will need to accept. A BIN makes up the first six digits of a card number, and …

08/02/2016

You May Need to Replace Your Payment Devices

You May Need to Replace Your Payment Devices

As you already know, Shift4 is committed to securing your business, your brand, and your customers’ card data. As part of our mission to help you stay secure and PCI complaint, we’ll be sunsetting support for six payment devices effective January, 1, 2017: Ingenico 3070 Ingenico 6550 Ingenico 6780 Verifone 1000 Verifone MX 850 Verifone …

08/02/2016

EMV Devices: Which Ones Shift4 Supports and How to Get Them

EMV Devices: Which Ones Shift4 Supports and How to Get Them

Many of you have been looking into purchasing new payment devices to accept EMV chip cards. Shift4 has carefully selected a variety of secure EMV devices. And, with nearly a dozen different device options currently offered, you can customize your EMV setup to fit your specific business. New! Direct Link to Our EMV Device List …

06/16/2016

Shift4 Offers Fast-Track to EMV Acceptance

Shift4 Offers Fast-Track to EMV Acceptance

Shift4 is proud to offer EMV with more device and processor combinations than any other gateway provider. More than 70 of our valued point-of-sale and property management system partners who have integrated their systems with our DOLLARS ON THE NET® payment gateway have now made the tweaks necessary to certify those solutions for EMV.Check out …

04/05/2016

5 Musts for DOLLARS ON THE NET® Admin Users

5 Musts for DOLLARS ON THE NET® Admin Users

If you sign in to your DOLLARS ON THE NET® account using the word “Admin” or “Administrator,” then you’re the king of the mountain, queen of the castle, ruler of the roost – or at the very least, a financially responsible individual at your business. Each DOLLARS ON THE NET account allows only one Admin …

04/05/2016

ALERT: Use Layered Security Tools and Secure Practices to Minimize Risk

ALERT: Use Layered Security Tools and Secure Practices to Minimize Risk

There is no silver bullet when it comes to payment data security, which is why Shift4 layers numerous security tools to protect our merchant customers in both card-present and card-not-present scenarios, as well as call centers and other specialized environments. Payment security is a constantly moving target and must be monitored and updated frequently to …

03/01/2016

Executive Insight: Setting the Record Straight on Tokenization

Executive Insight: Setting the Record Straight on Tokenization

I watched an interesting and entertaining Twitter dialogue unfold late last month between two payments industry experts. Ian Kar, who covers the payments industry for online news publication Quartz, was covering PayPal’s earnings call when he heard PayPal CEO Dan Schulman make a pretty bold claim: Schulman: Rest of payment industry is following us into …

03/01/2016

5 Reasons VT4 Is a Perfect Choice For Your Business

5 Reasons VT4 Is a Perfect Choice For Your Business

VT4®, Shift4’s mobile point-of-sale (mPOS) solution, was released to the general public in late 2015, and it is already making its mark on the payments industry. VT4 recently won the Best M-POS Solution award in the 2016 Pay Awards. We’re thrilled that the industry is enjoying our mobile solution as much as we knew they would. VT4 …

02/01/2016

Shift4’s VT4® Named Best M-POS Solution in 2016 Pay Awards!

Shift4’s VT4® Named Best M-POS Solution in 2016 Pay Awards!

Well, we can’t say that we’re surprised – but, we are thrilled! VT4®, our ingenious mobile point of sale (mPOS) solution, recently won the Best M-POS Solution award in the 2016 Pay Awards! Paybefore is a leading information provider in the payments industry, and their annual Pay Awards event recognizes the best prepaid, mobile, and …

02/01/2016

4 Ways to Avoid Suspended Batches

4 Ways to Avoid Suspended Batches

You may have had the experience of attempting to close an open batch of authorized transactions and seeing a notification that one of your batches has been suspended. This means that DOLLARS ON THE NET® has flagged the batch because Shift4 received an error or timeout from the processor indicating a problem with it. When …

02/01/2016

February Release – Shift4’s UTG® Update

February Release – Shift4’s UTG® Update

Shift4 provides the latest and greatest payment technologies to keep your business running smoothly. We listen to your feedback and update our Universal Transaction Gateway® (UTG®) nearly every month, keeping your payment security, efficiency, and business operations in mind with each new UTG build. While some of these updates are minor tweaks, others may have …

02/01/2016

URGENT: Internet Explorer 10 Users Must Upgrade ASAP

URGENT: Internet Explorer 10 Users Must Upgrade ASAP

Last month, we shared information about Microsoft’s end of support for older versions of Internet Explorer (IE) to make sure you knew that they would be ending support for all but the latest version of IE available for a desktop or server operating system. As a result, we’re recommending that you upgrade to IE 11 …

01/05/2016

Executive Insight: 3 Ways Merchants Can Ensure a More Secure 2016

Executive Insight: 3 Ways Merchants Can Ensure a More Secure 2016

By Steve Sommers – Senior Vice President of Applications Development, Shift4 Corporation For merchants, there is an all too common tendency to “fire and forget” when using security tools. You might have just completed your most recent PCI DSS (Payment Card Industry Data Security Standard) assessment, installed new antivirus software, or added EMV. While each …

01/05/2016

AMEX Has Replaced OnePoint With OptBlue

AMEX Has Replaced OnePoint With OptBlue

For years, Shift4 has provided small merchants with direct payment processing to American Express (AMEX) along with support for the AMEX OnePoint program. OnePoint catered to merchants that processed less than $500,000 (under a single tax ID) in AMEX charges each year. However, on November 1, 2015, the OnePoint program ended and AMEX began offering …

12/01/2015

2015: Year In Review

2015: Year In Review

At Shift4, 2015 was filled end-to-end with highpoints and milestones. We’d like to share the top 4 reasons why 2015 was so memorable for us. 1. The 10th Anniversary of Tokenization Tokenization is the pride and joy of Shift4. We invented it in 2005, and this year we celebrated 10 years of providing tokenization! TrueTokenization® …

12/01/2015

‘Tis The Season For Secure Mobile Payments!

‘Tis The Season For Secure Mobile Payments!

It’s beginning to look a lot like the holiday season – and for millions of holiday shoppers that means purchasing decorations, food, and gifts that make the season bright. According to the National Retail Federation, “Despite the challenges that still exist in our economy, it looks as if consumers are eager to celebrate the holidays …

12/01/2015

Dara Security Assesses True P2PE™

Dara Security Assesses True P2PE™

At Shift4, we value our customers’ payment data security above all else. Every product and technology we provide was created knowing that data breaches and fraud are real threats that can happen to anyone at any time. With that in mind, we want to make sure that all of our payment solutions are as secure …

11/03/2015

New Enhancements to Our VT4® Mobile Payment Solution

New Enhancements to Our VT4® Mobile Payment Solution

In September, we were pleased to announce the general availability of our VT4® mobile payment solution designed for merchants of any size in industries like food and beverage, retail, and hospitality. Early adopters of VT4, including PGA TOUR, appreciated the industry-leading security features, ease of use, bank and processor neutrality, and the host of other …

10/06/2015

Mobile Payments Designed With Enterprise In Mind

Mobile Payments Designed With Enterprise In Mind

Shift4 recently announced the general availability of VT4®, the most secure, flexible, and feature-rich mobile point-of-sale (mPOS) solution on the market. VT4 allows merchants to quickly and securely accept payments on any smartphone, tablet, or laptop. Following exclusive use with select merchants, including PGA TOUR, VT4 is now available to merchants in the United States, …

09/01/2015

Get in Gear for EMV

Get in Gear for EMV

The U.S. EMV migration liability shift date, October 1, 2015, is almost here. Are you on the road to EMV chip card acceptance? Earlier this year, we shared a road map to give merchants and independent software vendors (ISVs) a quick look at how to get ready for EMV. Now, we’re sharing the steps merchants, …

08/04/2015

Don’t Fall Victim to Malware

Don’t Fall Victim to Malware

Malware attacks have become increasingly common for merchants who process payments using remote-access systems, according to a recent alert from the Financial Services Information Sharing and Analysis Center (FS-ISAC). In the past year, there has been a significant increase in reports of malware that invades point-of-sale (POS) or property management systems (PMS) and creates a …

08/04/2015

Top 4 EMV Topics

Top 4 EMV Topics

It’s safe to say that the topic of the U.S. migration to EMV has captured the attention of many. From the consumers who are starting to receive new payment cards with chips on them to the merchants themselves, EMV will have an impact on every individual and organization that is a part of the payments …

07/07/2015

Shift4 Celebrates 10th Anniversary of Tokenization!

Shift4 Celebrates 10th Anniversary of Tokenization!

Tokenization has become more of a household name as of late, as more companies adopt the technology and as sister technologies like the consumer-based “payment tokens” of mobile wallets take shape. Shift4, on the other hand, has been using tokenization long before anyone else. After all, we invented it a decade ago! How was tokenization …

07/07/2015

12 Hospitality Touchpoints Secured by Shift4

12 Hospitality Touchpoints Secured by Shift4

From a payments point of view, hospitality environments are particularly complex. Typically, hotels keep payment card information on file for booking guarantees, advanced deposits, refunds, incremental authorizations, and more. This makes the hospitality environment at hotels, resorts, and motels particularly vulnerable to data thieves, who target these environments to retrieve payment card information held within …

06/18/2015

WEBINAR: How to Use eSignatures with Sertifi & Shift4’s DOTN

WEBINAR: How to Use eSignatures with Sertifi & Shift4’s DOTN

How to Use eSignatures with Sertifi & Shift4’s DOLLARS ON THE NET® Tuesday, Jun 23, 2015, 11:00-11:30 a.m. PST View the Recording Are you ready to automate your contract and payment process? If so, we invite you to join our 30-minute webinar to find out how you can collect both signed agreements and secure customer …

06/02/2015

Innovative Solutions to Prevent Hospitality Breaches

Innovative Solutions to Prevent Hospitality Breaches

The hospitality environment is unique in its handling of the payment card data of their guests. Large hotels and resorts generally involve hundreds, sometimes thousands, of touchpoints where payment card data can enter their systems – from reservations, retail stores, and valets to the front desk, restaurants, and snack stands. Resorts small and large often …

05/05/2015

When Your Acquirer Comes to Call About EMV

When Your Acquirer Comes to Call About EMV

Merchant acquirers (e.g., merchant banks, merchant services providers, and independent sales organizations) are waking up to the fact that the merchants they support need to be ready to accept EMV transactions by October 2015. (You may know your merchant acquirer as the bank that handles your merchant account.) However, whether or not you are ready …

05/05/2015

EMV for Small Businesses

EMV for Small Businesses

A survey by Newtek Business Services, Inc., shows that 71% of small businesses do not know about EMV and how it applies to them. Are you included? If you run a small business, then we have a primer on what the October 2015 fraud liability shift means for you and how Shift4 is helping you …

04/07/2015

Which EMV Device Is Right for You?

Which EMV Device Is Right for You?

Many of our merchant customers are looking into purchasing new payment devices to begin accepting EMV chip cards. In this article, we highlight the payment devices we support for processing EMV and a few of their features that may help you determine which one(s) will work best for your business. Secure, High-Performing EMV-Capable Devices Shift4 …

04/07/2015

Don’t Get Lured Away From Shift4

Don’t Get Lured Away From Shift4

We can only assume that at one time or another, you may be contacted by our competition and pressured to move to another payment gateway. If this is the case and you’re considering a move, don’t make the mistake of believing everything you hear. There are a lot of things that you get with Shift4 …

04/07/2015

Shift4 Is Ending Support for a Few Payment Devices

Shift4 Is Ending Support for a Few Payment Devices

Every now and then, older model payment devices are replaced with more advanced, secure, and better performing models. This is the case with a few payment devices that have reached their end-of-life, which means the manufacturer will no longer support or sell them. As a result, Shift4 is ending its support for the following payment …

03/03/2015

Shift4 Doesn’t Use SSL (And You Shouldn’t, Either!)

Shift4 Doesn’t Use SSL (And You Shouldn’t, Either!)

You may remember that back in November, we released an alert about protecting yourself from the POODLE SSL vulnerability. For those of you who are less familiar with SSL, it refers to a type of encryption that was once used to secure communications between a user’s Web browser and a website in order to protect …

03/03/2015

Shift4 Supports EMV to a T

Shift4 Supports EMV to a T

We’re now 7 months away from the EMV liability shift. But, don’t worry. Shift4 is hard at work behind the scenes to make sure your EMV migration is a breeze. There are three easy steps that you can do today to start preparing for EMV. #1: Ensure your point-of-sale (POS) or property management system (PMS) …

03/03/2015

On Your Mark, Get Set, Update i4Go®

On Your Mark, Get Set, Update i4Go®

Do you already use Shift4 for e-commerce? Then you’re going to be excited to learn that we’ve updated our i4Go® security solution to make it even better. For this reason, we’re phasing out i4Go v.1 with an end-of-life on January 12, 2016. You’ve got plenty of time to update, and some of our merchant customers …

02/03/2015

Securing Your Environment With Access Tokens for API Requests

Securing Your Environment With Access Tokens for API Requests

As an integrated payments provider, Shift4 proudly integrates to hundreds of point-of-sale and property management systems (PMS/POS) and certifies to new and customized interfaces to support our merchant customers’ business needs. Many of you work with third-party application program interface (API) developers on interfaces that enable communications between your PMS/POS and DOLLARS ON THE NET®. …

02/03/2015

Windows 2000 Users – It’s Time to Upgrade

Windows 2000 Users – It’s Time to Upgrade

If you are one of the few merchants who may still be using the Windows 2000 operating system in your cardholder data environment (CDE), then it’s time to upgrade. After Microsoft phased out support for Windows 2000 in July 2010, a number of third-party vendors continued to deliver security patches to their customers, ensuring their …

01/06/2015

Don’t Lose $1 Million – Activate Fraud Sentry® Today!

Don’t Lose $1 Million – Activate Fraud Sentry® Today!

Something troubling happened last month. News broke of a hotel manager being arrested for stealing almost a million dollars from her employer over the course of seven years. Even more troubling was that it happened to one of Shift4’s merchant customers – a merchant just like each of you. Saddest of all, this entire fraud …

01/06/2015

How to Get the Most Out of a Gift Card Program

How to Get the Most Out of a Gift Card Program

Consumers don’t just love giving gift cards – they also love receiving them. According to the National Retail Federation, gift cards have been at the top of consumers’ wish lists for the past eight years in a row. And, CEB TowerGroup’s recent study found that 65% of those who receive them spend 38% more than …

12/17/2014

The Hacker Who Tried to Steal Christmas

Every merchant in 4ville liked Christmas a lot, But the Hacker, who lived at the South Pole did not. The Hacker loathed Christmas! There was no good reason! And each year he would launch an attack on the season. He stared down at the 4s with an air of disdain; He couldn’t be like them …

12/02/2014

EMV Update

EMV Update

The chip cards are coming! We are now just 10 months away from the October 2015 liability shift date for U.S. EMV. That’s the date the card brands set to have all U.S. merchants supporting EMV (Chip card) technology. After that date, whichever organization breaks the “EMV chain” will be held responsible for fraudulent card …

12/02/2014

Shift4, P2PE, and PCI Validation

Shift4, P2PE, and PCI Validation

Update 4/19/17: Shift4’s point-to-point encryption solution, True P2PE, is now PCI validated. We were able to build a unique solution that met the PCI SSC validation requirements without compromising our own high standards for speed, security, and reliability. Because of this, some of the information in this article (which was published in 2014) may not …

12/02/2014

Executive Insight: Tools for Preventing Fraud and Breaches

Executive Insight: Tools for Preventing Fraud and Breaches

By Steve Sommers – Senior Vice President of Applications Development, Shift4 Corporation This piece is part three of a series on the differences between fraud and breaches. The first article in the series can be found here and the second article in the series can be found here. In our previous two articles, we talked …

11/04/2014

Shift4 Now Supports Apple Pay

Shift4 Now Supports Apple Pay

We told you last month that adding support for Apple Pay™ was going to be quick and easy, and it was. We’re happy to announce that Shift4 now supports Apple Pay contactless (NFC) payments. In fact, a few of our customers have already starting processing Apple Pay transactions. No additional development is required for you …

11/04/2014

Prepare Payments for the Big Holiday Rush: 3 Things to Do

Prepare Payments for the Big Holiday Rush: 3 Things to Do

According to the National Retail Federation, for the 2014 holiday season, retailers in the United States can anticipate a 4.1 percent increase in sales volumes compared with 2013, resulting in an expected $616.9 billion in total sales. As it is already November, the season is just kicking into gear. While the holidays are a time …

11/04/2014

Unify Your Enterprise Payments Under Shift4

Unify Your Enterprise Payments Under Shift4

Many of our customers have multiple revenue centers. Some of these are resort properties in the hospitality industry with a front desk, retail stores, restaurants, and a spa. Others are omni-channel providers with both brick-and-mortar and e-commerce sales. Still, others are universities with multiple revenue centers, including a campus store, on-campus housing, restaurants, and student …

10/07/2014

4 Things to Consider When Implementing a Gift Card Program

4 Things to Consider When Implementing a Gift Card Program

Gift card sales are growing. Increasingly tech-savvy and choice-driven customers want to let gift recipients take a hop into the driver’s seat by selecting their own presents through the use of gift cards for birthdays, holidays, and other special occasions. On the merchant side of things, offering gift cards is a proven method for driving …

10/07/2014

Shift4 Mints 10 More CISSPs

Shift4 Mints 10 More CISSPs

In a globally connected world, businesses of every size need to think not just about their compliance with PCI, but also about how to combat the persistent threat of skilled cybercriminals beyond the scope required by compliance. We hope you know that the Shift4 family is always prepared with the most innovative and comprehensive security …

10/07/2014

Shift4’s Plan for Apple Pay

Shift4’s Plan for Apple Pay

Recently announced by Apple®, Apple Pay™ is a mobile payments tool that uses near-field communication (NFC) to communicate with NFC-enabled terminal devices. Apple Pay will be delivered to the iPhone® 6 in an update scheduled later this month and to the Apple Watch™ upon its release in early 2015. Shift4 currently supports several NFC payment …

09/02/2014

Where Do I Find…?

Where Do I Find…?

Remember when you were a kid and your mom magically knew exactly where everything was? Glue stick? In the drawer under the phone. Your left shoe? Behind the couch. It seemed no matter what you were looking for, she knew exactly where to find it. Now, we don’t claim to have cracked the secret code …

08/05/2014

Six Reasons to Love Shift4’s Gift Card Solution

Six Reasons to Love Shift4’s Gift Card Solution

Every year, over 90% of U.S. consumers purchase or receive a gift card. In a study conducted last year, 41% of consumers reported having tried a retail store, restaurant, or hotel for the first time because they received a gift card for that business. Of that group, 72% returned to that business. Oh, and don’t …

08/05/2014

Used Credit Card Devices? Bad Idea

Used Credit Card Devices? Bad Idea

Buying secondhand (used) credit card PIN pad devices as a way to save money could come with a lot of headaches and limitations – and not nearly the cost savings you might expect. Shift4 is all about helping our merchant customers save money and avoid additional fees when it comes to credit card processing. We …

06/03/2014

Our New Data Center at Switch SUPERNAP

Our New Data Center at Switch SUPERNAP

Last year, we told you about plans for a new data center that would provide another layer of redundancy for Shift4’s DOLLARS ON THE NET® payment gateway, which equates to even more reliable payment processing for you, our merchant customers. And now we’re proud to announce the new data center in the Switch SUPERNAP facility …

05/06/2014

News From the Development Team

News From the Development Team

Our Development team is constantly working to improve our offerings so DOLLARS ON THE NET® and all of our other solutions work faster and better for you. We hope you’re enjoying the enhanced usability of DOLLARS ON THE NET. Below are some other updates. Support for New DevicesNew payment terminals have recently been added to …

05/06/2014

Coming This Summer to a Mobile Device Near You: VT4®

Coming This Summer to a Mobile Device Near You: VT4®

We announced our mobile payments product, VT4®, during last month’s Transact 14: Powered by ETA conference. Our team has been hard at work creating the fastest and most secure mobile payment solution for you. VT4 will provide merchants a convenient way to accept credit, debit, gift card, and cash transactions from a smartphone, tablet, or …

04/01/2014

Expecting Increased Transaction Volume?

Expecting Increased Transaction Volume?

As the weather is warming up and many of you are gearing up for your busy season, Shift4 is springing into action as well! Odds are good that you have something planned this year that will result in a significant increase or spike in your transaction volume. Have a large conference coming up? Conducting a …

04/01/2014

Spring Clean Your DOLLARS ON THE NET® Account

Spring Clean Your DOLLARS ON THE NET® Account

Spring officially arrived last month, which means it’s time to start thinking about spring cleaning your DOLLARS ON THE NET® account by removing former users that might be remaining. Doing so will protect against unwanted access to your account.Why Is This Important?Former employees who are still on your DOLLARS ON THE NET account could potentially …

03/04/2014

Communication Costs: We Pick Up the Tab for You

Communication Costs: We Pick Up the Tab for You

As a Shift4 merchant customer, you get the benefits of a 100% bank- and processor-neutral payment gateway with connections to every major bank and processor in North America. What are those benefits? You have the freedom to switch banks and/or processors as needed so you can negotiate for the best interchange rates and fees while …

03/04/2014

Shift4’s 20 Years: A Look Back

Shift4’s 20 Years: A Look Back

A long time ago, in a galaxy, ahem, desert, far, far away…seven Founders completed the incorporation of a company that would go on to be a protector of merchants and forever change the world of payments. They named it Shift4, and this year, we’re celebrating its 20th anniversary of delivering the fastest, most secure payment …

01/07/2014

Introducing the MetaToken

Introducing the MetaToken

At Shift4, we do all that we can to get cardholder data out of your merchant environment. We use P2PE on the front end to keep the data from entering your environment at the point of swipe, then return a TrueToken® on the back end so that you can keep a record of the transaction …

01/07/2014

A New DOLLARS ON THE NET®: We’ve Made the Best Even Better!

Get Ready! We’re kicking off 2014 with exciting changes to DOLLARS ON THE NET, beginning January 21st. You already know DOLLARS ON THE NET is a powerful tool that securely interfaces with nearly every major bank and processor in North America, and provides industry-leading uptime with the ability to easily audit and report on transactions. …

12/03/2013

Make Your Voice Heard!

Looks like the majority of you prefer to pick up the phone and give us a call when issues arise, and that’s just fine by us! Our world-class, Las Vegas-based Customer Support team is available 24/7 every day of the year to answer your calls and get you the help you need. Take the survey …

12/03/2013

When Your System Goes Offline

For our merchant customers who have the Universal Transaction Gateway® (UTG®) installed with DOLLARS ON THE NET®, we can offer help in processing transactions quickly when your connection to the Internet is lost, and keep your lines moving when things get busy. Shift4’s Secure Offline Stand-In™ (SOS) offers UTG users faster and safer offline processing …

12/03/2013

Online Payments: No Need to Fear

Bloomberg Businessweek recently ran an article about e-commerce merchants choosing to not offer online card payments out of fear, titled “Online Merchants Don’t Want Credit Card Payments.”Since providing the fastest, most reliable, and most secure card payment processing is what we live and breathe for, we know there are forces out there trying to mislead …

11/05/2013

Hiring for the Holidays? 5 Security Tips You Need to Know

With the holidays fast approaching, you’re probably beginning to bring on some extra help for the busy fourth quarter. We’d like to take this time to remind you to think about security when on-boarding new team members so your team works safely and securely even when things get hectic. Unfortunately, criminals understand this time of …

11/05/2013

Gift Cards for the Holidays – IT’S YOUR CARD®

What’s the ultimate stocking stuffer? Keys to a new car, of course. But only slightly less awesome are gift cards. Consumer surveys show that since 2007, gift cards have been the most requested item on holiday wish lists, and in 2011 (the most recent year for which records are available) gift cards accounted for 18% …

10/01/2013

Important Updates from Customer Service

We want to take a few minutes to tell you about some of the upgrades and changes we’ve got going on. We’ve made updates to the Universal Transaction Gateway® (UTG®) and to several payment device integrations to improve speed and usability, added new administrator tutorial videos to DOLLARS ON THE NET®, and our point-to-point encryption …

09/03/2013

Incremental Authorizations: Not for Restaurants and Bars

Payment processors and the card brands all too often fail to consider the food and beverage (F&B) industry when writing their rule books. The result is that F&B merchants occasionally find themselves equipped with tools that seem to fit their business, only to find out that using them would cost them in the long run. …

09/03/2013

Shift4’s Most Useful Web Pages

There are approximately 500 unique pages within the Shift4 website, so don’t feel bad if you haven’t visited all of them. Many of the pages are designed to introduce merchants to Shift4 and explain what we do. For example, from our DOLLARS ON THE NET® page, you can learn why we call our product a …

08/07/2013

MICROS® Users, Check with Us Before Buying New Hardware

Shift4 has a longstanding and strong relationship with MICROS. We have spent years developing integrations and adding security to different MICROS terminals, and we do our best to remain at the forefront of advancing technologies. As new technologies including point-to-point encryption, mobile payments, contactless, etc., continue to flood the market, we are seeing a problematic …

08/07/2013

3 Major Mobile Mistakes Merchants Make

Mobile payments technologies are continuing to grab market share and are popping up in more and more businesses. To most of the public, the ability to take payments on a smart phone or tablet seems like a clever advancement that simplifies the payment process and potentially makes shopping quicker and easier. But to those of …

08/06/2013

Logins and Passwords and Tools, Oh My!

How do you rank on password security? Here’s Gizmodo’s list of the most common passwords of 2012. (Most common means least secure.) If your DOLLARS ON THE NET® password is on this list, change it today! 1. password 5. qwerty 9. 111111 2. 123456 6. monkey 10. baseball 3. 12345678 7. letmein 11. iloveyou 4. …

07/02/2013

Shift4’s Data Center Expansion Means Even Faster Processing

We are in the process of adding an additional data center to further enhance our processing reliability, redundancy, and speed. As our merchant customer base continues to grow, we need to expand to accommodate the increased number of transactions. With this expansion, we saw an opportunity to improve the system in place to cool and …

07/02/2013

Updates on Shift4’s Innovative Integrations and Partnership

The Shift4 team has been hard at work developing integrations that bring the latest payment processing security technologies in DOLLARS ON THE NET® to the top POS/PMS solutions. We’ve recently announced integrations with MICROS, AlfaPeople, and AutoClerk. Here’s an overview of some of the new Shift4 integrations and partnerships. Point-to-point encryption (P2PE) is a buzz …

07/02/2013

News From the Shift4 Development Team

Our Development team is continuously working on updates, upgrades, and new features for our DOLLARS ON THE NET® merchant customers. Below are some of the newest features available to you.1. i4Go® Supports Point-to-Point Encryption (P2PE)If you use i4Go in your hosted POS/PMS or kiosk terminal, we’ve got some exciting news. You can now add an …

06/04/2013

Processor Update Brings New Technologies & Challenges

One of the major processors we work with recently released a new specification that required Shift4 to recertify with them. New specs often bring new technologies and features for you, our merchant customers. With that in mind, we went through the work required to update and modify our offering to match their new specs and …

06/04/2013

Reversing Holds on Debit

Shift4’s world-class support team handles hundreds of calls each month and helps our merchant customers walk through everything from how to settle a batch to how to add a new account administrator. The most common question they receive, and one that we’ve covered a few times before in our newsletter, is “How do I reverse …

06/04/2013

We Couldn’t Have Done It Without You!

We have been enjoying some recent recognition for our strides in technology innovation and commitment to our community. One of our business partners surprised us with an award at a recent tradeshow and Nevada Business Magazine chose us for their Family Owned Business Awards. Building Our Business We get a genuine thrill out of developing …

05/07/2013

The Value of the Shift4 Merchant ID

You would never think to hand over your personal checking account number to the clerk at a store, right? You’d use your debit card – a protected representation of your checking account – instead. But are you as careful with your business’ data? Just as your personal bank issues you a checking account number, your …

05/07/2013

Security Beyond Compliance

Just because you can check the right boxes on your annual PCI assessment does not mean you are immune from data breaches. You need Security Beyond Compliance™. What is PCI?Merchants who accept credit cards are required to abide by the rules of the Payment Card Industry (PCI) Council. The PCI Council is made up of …

05/07/2013

Periodic Billing

Shift4’s sales team is quick to point out that we “drink our own Kool-Aid.” In other words, we don’t just sell DOLLARS ON THE NET®, we use it. So when Shift4’s accounts-receivable staff logs in to bill our customers, they go straight to Periodic Billing. Whether you run a spa that offers a subscription massage …

05/07/2013

4VT® – More Than a Virtual Terminal

If you’ve been a Shift4 merchant customer for a long time, you may have heard it called NetCharge, but these days we call it 4VT® (short for Shift4’s virtual terminal). Whatever name you know it by, 4VT is a tool that gives you complete flexibility in how, when, and where you accept payments. 4VT provides …

04/02/2013

Security Your Way

Shift4 is all about flexibility. We provide our merchant customers with the ability to choose and change banks and processors at will. We offer you customizable security solutions that adapt to your unique environments. We also offer a number of configurable options related to the security of your DOLLARS ON THE NET® accounts. We provide …

04/02/2013

5 Tips Every Auditor Should Know

Todd Bonneville’s first exposure to auditing and accounting came during high school when he worked as a retail store manager. After studying finance and accounting at UNLV, Todd accepted a position as Shift4’s accounting clerk in 2002 and earned a number of promotions before becoming our VP of Finance and a member of our executive …

03/05/2013

Shift4 Support Strives for One-Call Resolutions

Your most recent batch isn’t transmitting properly, so you call Shift4 Support and say, “Help! I’ve got a problem!” When you’ve got a system issue or question, you need it fixed. So when you call Shift4, we give your call the time and attention it deserves. Our support staff is available 24/7 to provide you …

03/05/2013

How Superbatches Can Delay Your Funding

Is it a bird? Is it a plane? No. It’s Superbatch! OK, Superbatch is not really a crime-fighting hero. Instead, a superbatch is – much like the name implies – an extremely large batch of transactions being sent for settlement. It is made up of all the individual batches that Shift4 receives in a day …

03/05/2013

What’s New with DOLLARS ON THE NET®?

The Development team at Shift4 is dedicated to providing you with the most up-to-date, user-friendly programs and Web pages for our products. We listen to your feedback and constantly strive to make the improvements most important to you – our merchant customers! Over the past few months, we’ve focused on updating our DOLLARS ON THE …

03/05/2013

6 Steps to Find the Best MSP or Processor for Your Business

Shift4’s neutrality gives our merchant customers the ability to change banks and processors whenever business needs dictate. What does that mean in plain English? Well, it means that you always have options. It means that your processor can’t keep increasing your rates without risking losing you as a customer. It also means that if you …

02/06/2013

4titude’s Most Wanted

Shift4’s 4titude blog has been online for a little more than two years. Looking back, we have put together 110 articles highlighting new products and features; clearing up misinformation and rumors in the payments industry; teaching you how to avoid fines, fees, and downgrades; and sharing a little bit about Shift4 and the projects and …

02/06/2013

So Much More than DOLLARS ON THE NET

As we attend user group events with many of our POS/PMS partners, we are both surprised and saddened by how little many of our merchant customers know about what Shift4 does for them. Some of them know us only as DOLLARS ON THE NET®; others know our name but are not sure what we do… …

01/09/2013

Our Point-to-Point Encryption (P2PE) Solution Now Available

We’ve all heard about the benefits of P2PE: removing card data from your entire network and limiting it to the swipe device brings big payoffs in the form of scope reduction and simplified PCI compliance. Well, we’re happy to report that we now have customers actively running P2PE transactions, and we’re ready for you to …

01/09/2013

Phasing Out Traditional Offline Mode

We’re happy to report that, contrary to the Mayan Calendar, the world didn’t end on December 21, 2012. However, during this first quarter of 2013, the world of traditional offline mode in DOLLARS ON THE NET® will be ending. Over the next few months, we will be upgrading all users who are still using traditional …

01/08/2013

3 Steps to Smooth Payment Processing

In the spirit of New Year’s resolutions, here are three tips we hope you’ll put into practice to make sure your payment processing goes as smoothly and efficiently as possible.1. Educate Your EmployeesMany people set New Year’s resolutions to learn something new. This year, we’d like you to encourage your employees to keep that resolution …

12/04/2012

Shift4.com’s Brand-New Look

We’re excited to announce (although most of you have probably already noticed) that Shift4.com has a brand-new look and feel. As Shift4 has grown over the past decade, our Web site has grown along with us, being pieced together as needed to explain new products or explain payment industry topics to our merchant customers and …

12/04/2012

MasterCard’s Terminal ID Requirement

MasterCard has issued a mandate, effective April 19, 2013, requiring merchants to provide a unique terminal ID with every transaction. Ostensibly, this requirement is to help MasterCard more quickly track down fraudulent activity by determining the specific point of sale where the fraud occurred. While we agree with their desire to quickly stop fraud, and …

12/04/2012

Four Billion Strong – and Growing!

Pardon the obvious borrowing of FLINTSTONES™ vitamins’ catchphrase in our title, but we felt it fit the exciting news we have to share with you. As we built the token counter for our newly redesigned Web site, we realized something pretty cool. Somewhere back in early September, while we were hard at work on the …

11/26/2012

Web Site Redesign: What do I Need to Know?

As we reviewed the Web site during our redesign, we were careful to ensure that all our products were in line with our current branding efforts. That means a few technologies have been renamed to better reflect what they do, and to keep with the Shift4 feel. We have listed these updates below for your …

11/26/2012

Web Site Redesign: What’s New?

Well, pretty much everything on the site is new. The text, the graphics, the layout… but here is a list of features on our new site that didn’t exist on the previous site: • Four new product flowcharts show how our products work to protect merchants. Actually seeing how the solution fits into the transaction …

11/07/2012

The Men and Women Behind Shift4 Support

Every day, representatives from Shift4’s Customer Service staff handle requests for assistance from our customers. As those of you who have dealt with them know, they handle these requests with expertise and professionalism. More than 85 percent of the calls are resolved on the first contact, which is a testament to their training and understanding …

11/06/2012

‘Tis the Season for Gift Cards

What do you buy the person who has everything, or the teenager whose Christmas list is so foreign to you it might as well be written in hieroglyphics? Gift cards. We all know this little secret for easy holiday shopping and, as consumers, many of us take advantage of it. So why have so many …

10/02/2012

Account Setup — What’s Involved

There is a reason why we take such pains to ensure a proper setup of our solution: an improper setup costs you, the merchant, money. Things like not having accurate information from your merchant services provider (MSP) and processor can cause delays to occur with your batches. In severe cases, delays can turn into an …

10/02/2012

Want to Vote Out Your Bank?

Well, it’s October and election time here in the United States. Next month we will have the opportunity to vote. We may choose to endure more of the same or we may opt to replace an administration that we don’t feel has our best interests at heart with one that promises something new and (potentially) …

10/02/2012

The Buzz About Mobile

It seems everywhere you go these days there is buzz about mobile: mobile messaging, mobile commerce, mobile banking, mobile payments – heck, some people still even use mobile phones to make calls. With all the hype (and in response to a few customer requests), we’d like to take the opportunity to explain Shift4’s stance on …

09/04/2012

Now is the Time for UTG® Updates

The need to keep Shift4’s Universal Transaction Gateway® (UTG®) updated is a frequent subject in the pages of 4Sight. It seems we’ve mentioned it every few months for as long as we’ve been publishing this newsletter. So, we may be preaching to the choir a little bit here when we tell you, our faithful readers, …

09/04/2012

Exceeding Expectations: Townsend Building Supply

Many customer success stories follow the pattern of “problem, solution.” If this was one of those testimonials, we could wrap it up in two sentences: Townsend Building Supply needed a payment gateway solution that interfaced with bisTrack, their industry-specific POS solution. Shift4’s SaaS-based DOLLARS ON THE NET® gateway has that integration and our pricing met …

08/07/2012

Be Sure to Keep Shift4’s UTG Updated

Shift4’s Universal Transaction Gateway® (UTG®) makes possible much of what we do at Shift4. The UTG is a major factor in DOLLARS ON THE NET’s speed, security, reliability, simplicity, and Shift4’s ability to take your POS/PMS out of PCI scope. Needless to say, it is a vital component and a piece of technology that we …

08/07/2012

What the Intercharge Fee Settlement Means for Merchants

Many of you may be familiar with the Visa/MasterCard class-action case that just wrapped up in New York. For those who aren’t, here’s what happened: Visa and MasterCard were sued by several retailers and industry players in regard to interchange fees and discount rates. Merchants claimed the card brands were violating anti-trust laws and cooperating …

08/07/2012

Security is Customer Service

Back in February, we published an article called Tough Love – Why Shift4 Standards Are So High. It explained the security reasons behind some of Shift4’s policies and how they benefit and protect our merchant customers – even though they are seen by some as an inconvenience. Despite the points made in that article, we’ve …

07/03/2012

Payments Industry Players

Recently, we saw a payments industry Web site with a glossary more than 19 pages long. When it takes 19 pages just to explain the words you need to know before you can begin to figure out how the industry works, you know that payment processing has developed a language all its own. Today, we …

07/03/2012

Debit (and “Open-to-Buy” Holds) in Hospitality

We recently attended the Choice Hotels International Convention, at the invitation of one of our largest Hospitality clients. Several members of Shift4’s staff were in attendance and we had a wonderful time. One of the most frequently asked questions we heard at this conference was, “What can you do about the annoying holds that are …

06/05/2012

WTF? (What’s That Fee?)

Do you have your most recent merchant statement handy? You might want to pull it out and give it a good review because we’ve heard from several of our merchant customers recently that they are being charged new fees for services they have never heard of. We worked with some of our contacts in the …

06/05/2012

Fraud Alerts vs Breach Alerts

Do you know the difference between fraud alerts and breach alerts? You should – and you should make sure your staff does, too. These alerts are two very different things and require completely different responses. Mixing the two up can lead to a world of problems. Recently, one of our merchant customers was contacted by …

05/02/2012

Issuing Credits? Be Extra Careful

No one wants to make a mistake, but we also recognize that humans are, well, human (and machines are likewise imperfect) so sometimes it happens. Today, we want to point out a small mistake merchants make that can have disproportionately large consequences at batch settlement: mistyped card numbers. The issue is simple: when issuing a …

04/03/2012

DOLLARS ON THE NET Advanced Search

We all know that the dryer steals socks and the couch occasionally likes to swallow the remote control, but have you ever had your POS or PMS eat a transaction? You know, the kind of transaction that doesn’t process quite right and then vanishes and leaves you scratching your head, wondering where on earth it …

04/03/2012

Don’t Forgo the Benefits of 4Go®

Among the many technological marvels that Shift4 has created to help merchants, 4Go® is one of the biggest. If you don’t know much about 4Go (and its security-increasing, PCI-headache-reducing goodness), it’s high time the two of you were acquainted. What Is 4Go?4Go serves as a driver-based firewall that runs on a merchant’s Point-of-Sale (POS) or …

03/06/2012

How to Make Processor Changes Easier

One of the most common change requests we get in the Account Maintenance department here at Shift4 is for processor changes. It is really a pretty easy and straightforward process, but one that seems to have more than its share of issues to get completed. The following are some basic questions and pointers to help …

03/06/2012

Quick and Dirty IT Security

For those of you who don’t have the luxury of a dedicated IT-security team, here’s a quick tip from our IT staff: don’t be intimidated into inactivity. As with any security effort, there are layers to IT security. There are a number of simple, free steps you can take to that will drastically reduce your …

02/07/2012

How Shift4 Goes Beyond Compliance

Saying that PCI compliance can be a challenge is kind of like saying climbing Mt. Everest is slightly difficult. With the confusing state of Payment Card Industry Data Security Standards (PCI DSS) today, merchants using legacy systems may understandably look at climbing Everest as a cake walk in comparison to maintaining compliance. Shift4 not only …

02/07/2012

Is Shift4 on Your Safe Senders List?

We may be preaching to the choir here, as many of you are reading this in your e-mail inbox. But, for those who view this on the blog or in printed copy (or for your co-workers who may be missing out on all these messages), please take a moment to add updates@secure.shift4.com to your safe …

02/07/2012

Tough Love – Why Shift4 Standards Are So High

Shift4’s extensive security measures might seem excessive to MSPs and merchants. They may think that the added layers of security get in the way of normal business. Just like a proper Englishman who constantly carries an umbrella even though the sun is bright and shining, our protocols can seem superfluous when no threat is present. …

02/07/2012

Retail Requires Speedy Settlement

Retailers, if you’re not settling your batches every night, you’re probably losing money.Each category/type of merchant account has its own quirks and requirements. Retail merchant accounts, for example, require that all transactions be settled within 24 hours. This can be difficult – but pays off almost immediately. Processors offer three rate levels to retail merchants: …

01/04/2012

Be Sure You’re Using Shift4-Certified Solutions

Recently we’ve received a number of calls from merchants experiencing issues with swipe devices and/or POS/PMS terminals that are not included in our list of certified devices. With that in mind, here’s a friendly reminder: Just because a device appears to function properly when you plug it in, does not mean the device is supported …

01/03/2012

Helpful Hints for Working with Shift4 Customer Support

While it’s true that Shift4’s Customer Support staff strive for one-call resolution (and achieve it more than 75% of the time), many of you know that some issues require more than one call – and more than one person – to remedy. While we invest both substantial time and money into the training of our …

01/03/2012

Who is Shift4?

Shift4 Stands Alone Atop the Payment Gateway SpaceShift4, the first card-present payment gateway and the largest independent payment gateway in North America, is a privately held, self-funded company that does not answer to, does not profit from, and is not owned by, any card brand, issuing bank, merchant bank, payment processor, independent sales organization (ISO), …

01/03/2012

2011: A Year in Review

Happy New Year and best wishes to all of our clients! We hope that you were able to enjoy the holidays with those most near and dear to you. We celebrated Christmas in Florida this year with our children and grandchildren, and had a wonderful time. Looking back at 2011, we’re happy to say the …

11/21/2011

‘Tis the Season to be Vigilant

The holiday season should be a time of joy and goodwill. Unfortunately, for many (especially in difficult economic times) it becomes a time of desperation and deceit. Historically, the holiday season has been prime season for theft, credit card fraud, and data security breaches. We don’t want your holiday cheer to be ruined by a …

11/21/2011

Simple Clues to Early Detection of a Computer Breach

Defending your computer systems from Internet-borne threat agents can be a daunting task. Threat agents take on many forms. Among some of the nastiest are Remote Administration Trojans (RATs) and key-loggers that record data for later extraction through the RAT. Threat agents can squeeze through the tiniest crack in your Internet defenses, so the only …

11/21/2011

Don’t Lose Out on Hard-Earned Revenue – Use Aging Warning

After you’ve done all the work in a transaction – made the sale and accepted the client’s payment – if it isn’t batched out and settled in a timely manner, you get nothing for your efforts. And you may be losing money, as well. Sadly, Shift4’s Support staff has received numerous phone calls from merchants …

11/21/2011

Voice Auth Refresher

Criminals are often smarter than we give them credit for. They know that at busy times of the day and during the busier times of the year, clerks are more distracted and it is therefore easier for them to get away with their illegal activities. That is why now, as the holiday season rapidly approaches, …

10/18/2011

Will Your New POS/PMS Work with Shift4?

Implementing a new POS or PMS is often a major undertaking. Research, the purchase process, and planning for and then installing the new system can take months. How would you feel if you went through this whole process only to find that your new system does not work with Shift4? This recently happened to a …

10/18/2011

Micros 3700 Swipe Issues with Secure Suite for Micros

Shift4 has recently identified a glitch that can occur in certain scenarios with Micros 3700 systems that are running a piece of technology called “Special Swipe” interfacing with our Secure Suite for Micros. Since the issue only arises when the product is used in conjunction with Shift4’s driver, please contact us and not Micros support …

10/18/2011

What to do if You Think You May Have Been Breached

Imagine you have just discovered something amiss in your system and signs point toward a potential data breach. Do you have a plan of action in place? Do you have people on hand who know how to deal with such a problem? If not, have you found an expert you can contact? “When the time …

10/18/2011

Are You Slowing Your Own Connection?

To facilitate the hundreds of millions of transactions we process each year, Shift4 maintains multiple data centers, a host of Web servers, and numerous Internet connections. The duplication of components provides redundancy and increases uptime, but thanks to a little bit of technical magic, it also enhances our speed. Just as Shift4’s Universal Transaction Gateway® …

10/18/2011

Shift4 Makes AVS Better

In our last newsletter, we discussed several mistakes merchants make that can result in costly Visa downgrades. One of these mistakes was not getting all the necessary AVS information. In an effort to demystify AVS for our merchants and advise of Shift4 features and benefits you may not currently be taking advantage of, we would …

10/18/2011

More Suspended Batches? Discover the Solution

Back in July, we discussed suspended batches and gave you the two most common reasons batches suspend: 1) missing or invalid data included in the batch or 2) a communication failure somewhere between you and your processor. Today, we’d like to add a third reason that has become common enough that we feel it deserves …

09/20/2011

Avoiding Visa’s Most Costly Downgrade

Have you ever seen “Electronic Interchange Reimbursement Fee” (EIRF) marked next to a transaction on your statements? Many of us see the word reimbursement and get excited. It sounds like we’re getting money back, doesn’t it? Well, we hate to break it to you, but that is not the case. EIRF is actually an interchange …

09/20/2011

The Latest and Greatest – Why You Need to Update the UTG®

The Universal Transaction Gateway® (UTG®) makes much of what we do at Shift4 possible. The UTG is (at least partly) responsible for DOLLARS ON THE NET’s speed, security, reliability, simplicity, and our ability to take your POS out of PCI scope. Needless to say, it is a vital component and a piece of technology that …

09/20/2011

What Not to Do: The Most Avoidable Payment Processing Errors

Payment processing is an involved (and occasionally confusing) business. There are many players, many systems involved, and therefore many points for potential failure. At Shift4, we do all we can to eliminate or bypass potential points of failure within our sphere of influence. But, did you know there are a few steps you can take …

09/20/2011

The Durbin Amendment: How to Ensure You See the Benefits

We’ve heard a lot of buzz about the Durbin Amendment and the major cost savings that should come in response to the legislation. Last month, we introduced the main points of the legislation and encouraged those of you who do not currently support debit to consider doing so in order to capitalize on the upcoming …

09/20/2011

Changing IP Addresses

In order to avoid disruption of your transaction processing, Shift4 must be notified of any changes to the internal IP addresses of the machines running either the Universal Transaction Gateway® (UTG®) or your POS/PMS terminals. Also, if there is a change to the overall IP address schema of your network, informing Shift4 can save major …

08/16/2011

A Couple of Things You Should Know About Authorizations

First, we’ll talk about the “A” you see occasionally in your transactions view when using DOLLARS ON THE NET®. We’ll explain what it means and why it’s there in the first place. Then, we will address a question Shift4 receives almost every day, “Can Shift4 help me release an authorization from a customer’s card?” What’s …

08/16/2011

Did You Know Shift4 Processes Directly to American Express?

Did you know that Shift4 maintains a private, direct connection to American Express? Why do we do this? Well, the answer is quite simple: we do it to make life easier for you, our merchants. Shift4’s direct connection means we don’t have to pay a third-party to submit this information for us – that saves …

08/16/2011

Settlement Windows

Settlement windows. You may not even know what they are, but there’s a chance they’re costing you extra money. Simply put, your settlement window is the time window during which you must submit transactions to your processor in order to receive prompt funding. Missing this window can cost you in terms of downgrades, and delay …

08/16/2011

Another Way Shift4 Protects our Merchants

Shift4 is recognized as an industry leader in PCI compliance and information security. But as your business partner, we safeguard your organization in other ways as well. Here’s a quick story that illustrates just how Shift4 – and our admittedly stringent regulations – help protect our customers. Recently, we received a request from a merchant …

08/12/2011

Tokenization Guidelines Missed the Mark

This morning, the Payment Card Industry Security Standards Council (PCI SSC) published an “information supplement” entitled, PCI DSS Tokenization Guidelines. The document was designed to standardize the rapidly growing tokenization landscape and to give official word on how much benefit tokenization could bring to merchants striving to comply with PCI DSS requirements. It missed the …

07/14/2011

Is it Time for a Browser Upgrade?

Have you ever seen a company campaign against its own product? It’s certainly a rare occurrence, but Microsoft is currently in a campaign against one of its products – and has been for several months. In March of 2011, Microsoft officially launched a campaign against Internet Explorer 6. Why? Well, despite being three generations behind, …

07/13/2011

Doing Their Job: Is Shift4 PCI Compliant?

* This document has been updated for clarification of merchants’ responsibilities in light of PCI DSS requirement 12.8.We have received a number of requests recently from clients seeking to confirm Shift4’s PCI compliance status. For those who are curious, here is the short answer: Yes, Shift4 is a PCI DSS validated Level 1 Service Provider …

07/13/2011

Tokenization Webinar Recap

As you may already know, we’re passionate about tokenization. We should be; we introduced the technology to the industry in 2005 and have watched it “catch on” ever since. Those who follow our blog and other publications have heard us lament the bastardization of tokenization. That’s what we call it when competitors release TINO (“tokenization-in-name-only”) …

07/13/2011

New Roles and New Faces

New Roles and New Faces

Tom Ruscitti, Partner Program ManagerTom Ruscitti joins Shift4 as Partner Program Manager, assuming some of Bob Lowe’s previous responsibilities as Bob moves into his new role as VP of Business Development. Tom will be primarily responsible for the day-to-day operations of Shift4’s referral partner programs. Prior to joining Shift4, Tom spent more than 20 years …

07/13/2011

e-Commerce Survey: What Solution do You Use?

A few months ago, we published an article called “Unifying Your Revenue Centers.” In that article we talked about our 350+ POS/PMS integrations and how we support most of the solutions you are likely to use. Proactively developing integrations to the industry’s top players has helped us become the world’s largest card-present gateway. In the …

07/13/2011

What is a Suspended Batch?

Have you ever had a suspended batch? Don’t be too scared, it’s not as bad as it sounds… in fact, it’s not a bad thing at all. Suspended batches are typically triggered by one of two things 1) missing or invalid data included in the batch or 2) a communication failure somewhere between you and …

07/13/2011

DOLLARS ON THE NET: So Much for Just Pennies

At current national average prices, for the pennies Shift4 charges for a typical transaction, you could buy almost two tablespoons of gasoline, which is just about enough to back your SUV out of the driveway. Or, for the same amount, Shift4 will provide you with all of this: A secure, reliable gateway between your POS, …

05/31/2011

Gateway +

Shift4 provides so many value-added services that it can be easy to forget that we are first and foremost a payment gateway. We connect merchants’ revenue centers (Point of Sale, Property Management System, e-commerce shopping cart, etc.) to the credit card processor of their choice. In the more than 16 years we’ve been in the …

05/31/2011

Executive Insight: Trace is the Light!

From time to time, if you are experiencing an issue, we may ask you to “send us trace” or we may even talk you through “turning on verbose trace” and ask you to send it to us the next day. Let’s talk about what trace is. Trace is data or logs that are recorded at …

05/31/2011

Debit: Is It Worth It?

Nothing worth doing is ever easy. Nowhere in the payment industry is that more true than with debit card processing. Unlike processing credit payments with relatively few variables, debit card processing involves numerous organizations, devices, networks, and – perhaps most confusing of all – encryption keys. As your advocates in the payments arena, we’re committed …

04/28/2011

Important Message from Shift4 Support

In our efforts to continue to provide world-class service, Shift4 is constantly enhancing and updating our offerings and infrastructure. We are in the process of bringing an additional state-of-the-art data center online, and in that process have, and will continue, to modify and add new front-end telecommunication connections. This will result in increased bandwidth, availability …

04/28/2011

Unifying Your Revenue Centers

If you have multiple lines of revenue in your business (i.e., restaurants within your hotel, e-commerce sales in addition to your brick-and-mortar location, etc.), now is the time get them all under the Shift4 umbrella. We have been approached by a few clients recently who realized that a good portion of their business was coming …

04/28/2011

Are You on LinkedIn?

Recently LinkedIn announced a number of changes to the way business information is displayed on their site. Most exciting of all the changes for us is the ability clients now have to add testimonials to your page and to your specific products, you can find our page here. If you’d like to recommend Shift4 or …

03/16/2011

Combat Internal Fraud

If you read our January newsletter, you already know that Shift4 was founded in response to a customer service inquiry. A client was looking for a unique solution, we were able to deliver that solution, and in the process come up with what we now call DOLLARS ON THE NET®. Another customer request came in …

03/16/2011

BIN Management

Debit or Credit? This is the age old question. Do you currently accept Debit? If so, have you set your BIN management floor limits yet? If not, you could be losing money on unnecessary transaction fees. BIN management sometimes known as “BIN spinning,” is a feature of Shift4’s Universal Transaction Gateway® (UTG®) that identifies card …

03/16/2011

What You Had to Say: Results of the Customer Survey

We genuinely appreciate the time you took to respond to the survey we included with our last newsletter. The results confirmed some things that we were glad to hear and gave us the opportunity to cater our messaging to you, our clients. Our commitment to merchant advocacy requires that we keep in touch with you. …

03/16/2011

Upgrade Required for MICROS 3700 Users

We recently sent an alert to all of our MICROS® users announcing a required upgrade for Secure Suite 4 MICROS 3700 – DOLLARS ON THE NET®. As Shift4 makes every effort to install and upgrade our customers with the most up-to-date and secure versions of our systems and drivers. We again are taking our role …

02/07/2011

Why We Need to Know When Your IP Address Changes

Shift4’s Universal Transaction Gateway® (UTG) users must have a permanent IP address assigned to their PC, both for security purposes and so that the POS/PMS can always communicate. If this IP address is changed, and Shift4 is not informed, clients will not be able to connect to DOLLARS ON THE NET and therefore will be …

02/07/2011

Why Audit?

The Shift4 product offering is extensive to say the least. We offer a myriad of tools and services to our clients, and one that is highly beneficial to the enduser is our auditing capabilities. Yet, it has come to our attention that many of our clients are not using DOLLARS ON THE NET’s built-in auditing …

01/07/2011

A New Year’s Letter from Shift4’s CEO and COO

Dear Customers, As we enjoyed time with our family this holiday season, we had opportunity to reflect on the things in life for which we are most grateful. Obviously, family and dear friends came to mind, along with the necessities of life that are so often taken for granted. We also found ourselves thinking of …

01/07/2011

NetCharge is now 4VT®

Shift4 has included the NetCharge virtual terminal as part of DOLLARS ON THE NET® since the product was released more than a decade ago. NetCharge has always been an extremely useful application, bringing the power of our solution to any merchant with a computer and Internet access. Now, however, with the ever-increasing use of mobile …

01/07/2011

Shift4: Founded on World-Class Customer Support

In the late 1980s, the Shift4 founders were running a successful accounting software business in Southern California when a long-time customer approached them with an issue: she needed a way to integrate her front-of-house credit card system with her back-office accounting program. Dedicated to providing stellar service and never prone to shy away from a …

01/07/2011

Stand-In vs. Dial-Up Backup

Last month we introduced you to a new feature we call Stand-In. If you didn’t happen to read that article, you can find it in its entirety here. The basic gist of Stand-In is that you are able to continue processing transactions even when Internet connectivity is lost. Since we released that article, many clients …

12/01/2010

Why Shift4?

The true value of Shift4 is in the details; it’s the nuances that separate us from the competition. Let’s take a look at a few of the features and benefits you enjoy as a Shift4 customer, for just pennies per transaction: A secure, reliable gateway between your Point-of-Sale (POS) system, Property Management System (PMS), or …

12/01/2010

Secure Offline Stand-In® Offers Enhanced Offline Processing

Those of you who currently use our Universal Transaction Gateway® (UTG®) are probably well aware of the numerous benefits provided by that technology. Well, now there is one more. Included with the most recent UTG update is an offline-processing feature called Secure Offline Stand-In® (SOS). All merchants worry about losing connectivity to the Internet. Having …

12/01/2010

Changing Bank, Processor, or POS/PMS? No Need to Leave Shift4

“Don’t throw the baby out with the bathwater,” was a popular phrase in our childhood but one we haven’t heard much recently. Essentially it means: “don’t get rid of something good in the process of getting rid of something that isn’t.” Contrary to what you may have been told, if you’re considering replacing your merchant …

12/01/2010

Open Communication

In order to continue in our role as a merchant advocate, we need to hear from our merchants. We want your opinions and insights, “the good, the bad, and the ugly” of how we’re doing, and what you’d like to see us do next. To make this feedback process easier, we have established numerous lines …

11/24/2010

The Difference is in the Details

Hello and welcome to 4titude, the official blog of Shift4. For the past 16 years, Shift4 has been at the forefront of payment processing technology, yet during that time too few outside of our customer base have heard enough about us. Sure, you’ve all heard of Tokenization, a term we coined when we introduced the …